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首页> 外文期刊>IEICE transactions on information and systems >Verifiable Credential Proof Generation and Verification Model for Decentralized SSI-Based Credit Scoring Data
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Verifiable Credential Proof Generation and Verification Model for Decentralized SSI-Based Credit Scoring Data

机译：基于分散的基于SSI的信用评分数据的可验证凭证证明生成和验证模型

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摘要

The continuous development of the mobile computing environment has led to the emergence of fintech to enable convenient financial transactions in this environment. Previously proposed financial identity services mostly adopted centralized servers that are prone to single-point-of-failure problems and performance bottlenecks. Blockchain-based self-sovereign identity (SSI), which emerged to address this problem, is a technology that solves centralized problems and allows decentralized identification. However, the verifiable credential (VC), a unit of SSI data transactions, guarantees unlimited right to erasure for self-sovereignty. This does not suit the specificity of the financial transaction network, which requires the restriction of the right to erasure for credit evaluation. This paper proposes a model for VC generation and revocation verification for credit scoring data. The proposed model includes double zero knowledge - succinct non-interactive argument of knowledge (zk-SNARK) proof in the VC generation process between the holder and the issuer. In addition, cross-revocation verification takes place between the holder and the verifier. As a result, the proposed model builds a trust platform among the holder, issuer, and verifier while maintaining the decentralized SSI attributes and focusing on the VC life cycle. The model also improves the way in which credit evaluation data are processed as VCs by granting opt-in and the special right to erasure.
机译：移动计算环境的不断发展导致FINTECH的出现能够在这种环境中实现方便的金融交易。以前提出的金融身份服务主要采用了集中式服务器，这些服务器易于失败的问题和性能瓶颈。基于区块链的自主主权身份（SSI）出现解决这个问题，是一种解决集中问题并允许分散识别的技术。但是，可核查凭证（VC），SSI数据事务的单位，保证无限制的擦除权为自主。这不适合金融交易网络的特殊性，这需要限制擦除信贷评估的权利。本文提出了对信用评分数据的VC生成和撤销验证的模型。该拟议的模型包括双零知识 - 在持有者和发行者之间的VC生成过程中的知识（ZK-SNARK）证明的简洁无互动参数。此外，在持有者和验证器之间发生交叉撤销验证。因此，所提出的模型在持有人，发行者和验证者之间构建了一个信任平台，同时维护了分散的SSI属性并专注于VC生命周期。该模型还通过授予Opt-In和Electure的特殊权利来改进信用评估数据作为VCS处理的方式。

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